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Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,293 | $202,463-84.0% | $169,397-80.9% | $139,487-76.8% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 12.88% | 532.64%-519.8pp | 406.23%-393.4pp | 373.84%-361.0pp |
| Employer contribution / active EE | $2,561 | $4,694-45.4% | $4,013-36.2% | $4,755-46.1% |
| Participant deferral / active EE | $533 | $6,941-92.3% | $6,223-91.4% | $6,713-92.1% |
| Admin fee / account holder | $649 | $10,726-94.0% | $9,017-92.8% | $11,407-94.3% |